Abstract: In one embodiment, systems and techniques include receiving, by a transaction server and from an electronic device of a first user, a transaction request for a transaction between the first user and a second user. The transaction request includes an amount to be withdrawn from or deposited into a financial account of the second user and identifying information for the second user. The identifying information includes information from a form of identification provided at the electronic device. The techniques include identifying, via a mapping database associated with the transaction server, the financial account of the second user and a financial account of the first user. The techniques include adjusting, via the mapping database, respective monetary balances of the financial accounts based at least in part on the amount of the transaction. The techniques include transmitting, to at least one electronic device associated with the transaction, a confirmation message.

Abstract: In one embodiment, a method includes receiving, by a payment server, an identity of a customer based on data obtained from a mobile application executing on a device associated with the customer. The method includes creating a financial account for the customer. The method includes, upon receiving a request for a cash deposit or cash withdrawal via the mobile application, facilitating, by the payment server, generation of an electronic code to be used at a point-of-sale (POS) device of a merchant. The method includes receiving transaction information associated with a transaction involving the customer and the POS device of the merchant. The transaction information includes the electronic code. The method includes identifying, based on the transaction information, the financial account of the customer. The method includes causing an adjustment of a monetary balance of the financial account of the customer in a mapping database.

Abstract: Various embodiments are related to apparatuses and methods for enabling a merchant to perform banking-type transactions for a customer. A merchant can use, for example, a sales system configured to be used by the merchant to sell goods to perform a banking-type transaction for a customer. The sales system can send information related to the banking-type transaction to, for example, a buyer/seller platform. When the banking-type transaction is a deposit, the merchant can receive funds for the deposit from the customer. The platform can credit the customer's financial account for the deposit amount by diverting payment card funds, received by the merchant for the sale of goods and processed by the platform, to the customer's financial account. When the banking-type transaction is a withdrawal, the platform can debit the customer's financial account and credit the debited funds to the merchant's financial account.

Abstract: Various embodiments are related to apparatuses and methods for enabling a merchant to perform banking-type transactions for a customer. A merchant can use, for example, a sales system configured to be used by the merchant to sell goods to perform a banking-type transaction for a customer. The sales system can send information related to the banking-type transaction to, for example, a buyer/seller platform. When the banking-type transaction is a deposit, the merchant can receive funds for the deposit from the customer. The platform can credit the customer's financial account for the deposit amount by diverting payment card funds, received by the merchant for the sale of goods and processed by the platform, to the customer's financial account. When the banking-type transaction is a withdrawal, the platform can debit the customer's financial account and credit the debited funds to the merchant's financial account.